Gross to Net / Net to Gross Calculator
Two-way paycheck calculator. Enter your gross pay to see take-home, or enter your desired take-home to find the gross you need. Select your state and the tax rates fill in automatically.
Pay Breakdown
How This Calculator Works
Pick your direction at the top. "Gross to Net" starts with what you earn and shows what you keep. "Net to Gross" starts with what you want to keep and shows what you need to earn. Both directions use the same tax math, just solved in opposite directions.
When you select a state from the dropdown, the state income tax rate and sales tax rate fill in automatically using 2026 data from the Tax Foundation and state revenue departments. The state income tax shown is the top marginal rate for that state. If your state uses graduated brackets, your effective rate may be lower than the top rate shown. For a more precise figure, check your most recent state tax return.
Social Security and Medicare are set to auto-calculate by default at 6.2% and 1.45% respectively. If you need to adjust these, such as if you have already hit the Social Security wage base ($176,100 for 2026) and owe no more SS tax for the year, switch to manual input and set the rate to 0.
The sales tax rate is shown for reference so you can factor spending power into salary comparisons between states. A $5,000 take-home in Oregon (0% sales tax) goes further than $5,000 in Tennessee (7% sales tax) because everyday purchases cost more in Tennessee.
When You Need This Calculator
Salary negotiations are the most common reason people look this up. If you know you need $4,500 per month after taxes to cover your bills, you need to know what gross salary to ask for. Going into a negotiation with that number keeps you from underselling yourself.
Employers use the net-to-gross direction when they want to offer someone a specific take-home amount. If you promise a new hire that they will receive $3,000 every two weeks, you need to know what gross goes on the offer letter so that after withholding, the math works out.
People comparing job offers across states use both directions. A $90,000 salary in Texas (no state income tax) leaves more in your pocket than $90,000 in California (up to 13.3% state tax), but California might have other benefits. This calculator helps you see the actual dollar difference.
Note: This calculator uses flat percentage rates as approximations. Actual payroll taxes use marginal brackets, and your effective rate may differ from the top marginal rate shown. Social Security tax applies only up to $176,100 in wages for 2026. State tax rates shown are top marginal rates and may not reflect your actual bracket. This tool does not account for tax credits, pre-tax deductions (like 401k reducing taxable income), or local income taxes that some cities and counties impose. It is for estimation purposes only and is not tax or financial advice. Consult a payroll professional or CPA for exact calculations.